Credit investigation has its own rules. If a person suddenly fails to repay the loan, there will be a collection to verify the borrower's situation. If the person has passed away, first check whether there is any fund account that the institution can directly authorize to deduct money. If not, according to the five-level classification of bad credit, it will turn to concern after more than three months, turn to OK after one year, and turn to loss after three years. The loss classification is that the principal loss has reached 65,438+000%, and the loss will be reported.

Because the deceased can't be taken over by the judicial organs, can't sue, can only cancel. Write-off is not to eliminate the account, but to record the account as write-off, stop interest calculation, and move it from the general ledger to other accounts.